they see opportunity and how are they dealing with the uncertainties coming from europe, washington, d.c. and, of course, our top story, the shake-up at citigroup. pandit, he's out. corbat, he's in. the stock is staging a turnaround now positive on the day. what's the takeaway from the timing of this announcement and how are you trading it, brian kelly, steven wise, mike murphy all here to break it down, stephen weiss, you bought citi. why? >> last week when i was on the show and i've been consistent is that i just didn't think vikram pandit was qualified to run what was one of the world's largest most complex banks, neither did i think john havens was qualified to be the number two person. both these people had institutional equity or fixed income experience, hardly commercial bank experience so that's why i stayed away from it. today with vikram stepping down being pushed out, i would say, and havens following him, his number two from morgan stanely days, i thought it sounded the all-clear. if you take a look at what happened when they announced their quarter, they took a $4.7 billion